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When bankers got too clever and our busi­ness­es too com­plex, we all suf­fered the con­se­quences. The 2008 finan­cial cri­sis touched so many of us because the banks were woven into all our lives. Soci­ety was exposed to risks it didn’t under­stand, and we all paid the price via gov­ern­ment-backed bailouts.